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Cheap ATV Insurance

Get Affordable Protection for Your Off-Road Adventures

Hitting the Trails? Get Cheap ATV Coverage First

Whether you use your all-terrain vehicle for feeding the cows or for an adrenaline-fueled run on the trails, everyone agrees these machines are just plain fun. It’s important to consider how to protect yourself and others when hopping on for a ride. ATV’s and UTV’s (utility terrain vehicles) are entertaining, but they also carry a certain amount of risk. It’s best to be prepared with the right type of coverage.

If you have an off-road vehicle or plan to get one, check in with your knowledgeable Acceptance agent for the most affordable insurance for your needs.

Journey through the forest on a Quad bike. A man rides a Quad bike on the road – cheap ATV insurance.

What is ATV Coverage?

This coverage protects you financially when you are riding your ATV or UTV. As with auto insurance, you can choose from a variety of plans that best meet your needs and budget. Some types of coverage include protection for damages and repairs, as well as liability if you accidentally hurt someone else or damage their property. You can also find affordable medical coverage for you and your passengers if necessary.

If you cause an accident or damage someone’s property, such as fencing, while riding your ATV, your liability will help pay to repair that property. If you choose collision coverage or comprehensive insurance, you’ll have your own machine repaired for a number of events, including fire while it is parked, and damages that result from some types of collisions.

ATV Insurance FAQs

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How Much Does ATV Protection Cost?

Depending on the coverage you select, as well as some individual factors, your coverage could be as little as $44 per month. On the other hand, if you are a new rider with a brand new quad bike, that could jump as high as $100 monthly.

Factors that Affect Insurance Premium

Underwriters will look at a variety of items to determine your policy cost. Some of these include:

  • Where you live: If you live in an area where accidents happen frequently or theft is high, your rates will be higher than someone who does not have these factors. In addition, insurers will look at how much repairs cost in your neck of the woods.
  • Your individual factors: Your age, gender, experience and claims history will all play a part in your cost.
  • Type of ATV: Just like cars, models range from basic to luxury. The more it costs to repair or replace your 3- or 4-wheeler, the more your policy will cost.

Your own driving record plays a large part. If you have proven to be a safe and responsible driver, you’ll likely get a lower quote.

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What Does ATV Insurance Cover?

You can choose your policy based on what type of protection you desire and your budget. Some of the options include many types of coverage you’ve already heard about, such as:

  • Liability: Typically protects you financially up to policy limits against the claims of others who have been hurt or had property damaged in an event caused by you.
  • Collision: Pays for repairs or replacement if your equipment is damaged or destroyed in a covered collision event – even if the event is your fault.
  • Comprehensive: Pays for repairs or replacement if your ATV is damaged or destroyed in a storm, fire or other covered event.
  • Uninsured motorist: Helps pay for your repairs and injuries if another driver without a policy causes a wreck.
  • Medical: Whether personal injury protection (PIP) or Medical Payments (MedPay), this is designed to kick in immediately to begin paying any medical bills you may incur after a covered event.

To find out what will work best for you, visit a friendly Acceptance Insurance agent. You’ll receive options from national carriers so you can pick the one that suits your situation best.

A quad moving through the mud with two riders on it – cheap ATV insurance.

Is ATV Insurance Required?

If your ATV is financed, your lender may require some coverage until you have paid it off. Most states do not require this coverage, although if you want to ride on state-owned or public land, you may need a policy to comply with use regulations. Additionally, some privately-owned ATV riding areas may also require that you carry liability at the least. Don’t ride your ATV without the proper protection.

What Vehicles Does an ATV Policy Cover?

Off-roading enthusiasts are surprised to find this type of protection extends to a range of recreational vehicles, including:

  • All-Terrain Vehicles (ATVs)
  • Motocross and Dirt Bikes
  • Mopeds and Minibikes
  • Custom Choppers
  • Vintage Bikes
  • Antique Motorcycles
  • Motorcycles 25 Years and Older
  • Cruisers
  • Limited Production Cruisers
  • Street Sport Bikes
  • High Performance Motorcycles
  • Race Bikes
  • Touring Bikes
  • Super Bikes
  • Sport Touring Bikes
  • General Purpose Motorcycles
  • Dual Purpose or Enduro Motorcycles
  • Scooters
  • Trikes
  • Dune buggies
  • Go-Karts
  • Golf carts

Does ATV Coverage Have Discounts?

Yes, there are several great ways to get a discounted policy before you navigate trails. Your good driving record gives you a reputation for being a safe driver and that’s certainly worth a discount. Another way is to bundle your policy with other ones, such as your home insurance, car insurance, or renters insurance.  Remaining loyal to the same company demonstrates a commitment that is often recognized and rewarded.

You can also ask for discounts such as former or current military or first responder. There are special breaks for teachers, too. Taking a course on safe ATV driving and habits might earn you some money off. Check with your friendly Acceptance Insurance agent to see what they can do for you.

Get an Affordable ATV Insurance Policy Today

When you are ready to hit the trails and have some fun, don’t forget to dress appropriately with goggles and helmets — and to secure protection against the unexpected. Off-roading is exciting when done with safety in mind. When you need to find an affordable policy that matches your needs and budget, let your neighborhood Acceptance agents do the work for you. We’ll provide you with choices, so you can pick the one that works best. Reach out for a free insurance quote online, give us a call at 877-405-7102 or stop by one of our convenient locations.